Insurance Agent: necessary or not?

On the services of insurance agents must have heard everyone, but for many still remains a mystery, what do these people and whether they should trust the insurance agent - a person or entity acting on behalf of an insurance company or on its behalf. The duties of an agent is selling insurance policies, insurance premium collection, documentation, and in some cases, payment of insurance claims (within specified limits). The relationship between the insurance agent and insurance company are based on the agency contract or permanent contract-orders. In this case, the insurer is fully liable for the actions of hired employees. It should also be put to rest, that if in most European countries, an insurance agent usually represents the interests of any one insurance company in Russia, it can represent an entire group of companies that have made previously with each of them their contractual agreement. How do I choose? By choosing an insurance agent is approached with extreme care. First, talk to other people, can someone of your friends recommend to apply to a person who is already known to them. If not, act independently. Firstly, looking for a cheap offer. Remember, you need a professional who knows his business. Also, do not hesitate to check out information about it: the power of attorney for the right to work, as well as passport data. And, you can call the office and to clarify whether it runs an agent. Well, in the end, it is desirable that the person you are impressed, as you continue to see him again and again. Should I trust? And yet many people are very prejudicial relate to the activities of insurance agents. This raises and all sorts of doubts. For example, whether to be completely honest, because people can leave and then the information will remain with him? Practice shows: worth it. If you utaite some important nuances in the future it can play only against you. Little or incorrectly calculate the insurance premium, which will subsequently be paid. What if you do? Therefore it is better initially to be honest in all things. Of course, first of all, the agents - financially interested party, but at the time of the insured event you will not be without help.